Subject: File No. 4-606
From: James F Linenger

August 24, 2010

As a registered representative and life insurance age I recognize the need for oversight and regulation of our industry and it's practices.
As a financial professional I and We as a firm are constantly evaluating ourselves on how we are presenting ourselves to our clients.
We have welcomed compliance to review our recommendations to our clients for years, and believe we are delivering quality advice and products to hundreds of clients each year.
The training, licensing, continuing education,paperwork and fees that we must absorb each year is useful, yes, but adding more to the mix will hinder the research and time that we have to serve our clients.
I do not feel more regulation will add benefit to our clients....and believe this Dodd-Frank Act would lead to an exodus from the business of quality financial professionals with exceptional client approval.